Number borrowers | 3,102 |
Loan Amount (range) | THB 4,000 - 200,000 |
Loan Term (range) | 1 - 12 |
Other Services (text summary) | Credit Ins |
Annual Interest & Method | 27.0%-36.0% annual, Decl Bal |
Fees | None |
Insurance | None |
Tax | None |
Comp Dep | 3.0% upfront |
Range of pricing | |
Interest Price Component | 27.1% - 36.0% |
Fee Component | 0 |
Insurance Component | 0 |
Tax Component Range | 0 |
Full APR (int fee ins tax dep) | 28.7% - 37.1% |
Transparency Index (min/max) | 81 - 105 |
Transparency Index (average) | 88 |
8,014 |
INR 3,000 - 25,000 |
6 - 15 |
Credit Educ, Group Mtgs, Credit Ins, Other Training |
12.5% annual, Flat |
2.00% upfront |
1.00% upfront |
None |
10.0% upfront 50.00 ongoing |
N/A |
21.5% - 21.6% (Int+Fee) |
1.4% - 1.7% |
0 |
26.6% - 28.7% |
25 - 47 |
45 |
Outstanding portfolio (THB) | THB 78,201,353 |
Portfolio (USD) | USD 2,650,893.32 |
Active Clients with Loans | 3,102 |
Approximate % Female Clients | 60% - 80% |
Approximate % Urban Clients | 0% - 20% |
Individual | x |
Solidarity group | |
Village banking | |
Self help group | |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | |
Other | |
Other (2) |
Credit education | |
Group meetings | |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | |
Other | |
Other (2) | |
No other services |
Men | x |
Women | x |
Must run a business | x |
Must own a home or land | x |
Must be a salaried worker | |
Must be specific age group | x |
Other | |
Other (2) |
# Regions for this institution | 7 |
# Regions for this product | 2 |
Regions Active | Banteay Meanchey, Battambang |
Outstanding portfolio (INR) | INR 73,971,417 |
Portfolio (USD) | USD 1,395,687.11 |
Active Clients with Loans | 8,014 |
Approximate % Female Clients | 80% - 100% |
Approximate % Urban Clients | 0% - 20% |
Individual | |
Solidarity group | |
Village banking | |
Self help group | x |
Other |
Any purpose | |
Income generation | x |
Mortgage/housing | |
Consumer loan | |
Agriculture | |
Education | |
Other household finance | x |
Other | |
Other (2) |
Credit education | x |
Group meetings | x |
Credit insurance | x |
Workplace visits | |
Business training | |
Other training | x |
Other | |
Other (2) | |
No other services |
Men | |
Women | x |
Must run a business | |
Must own a home or land | |
Must be a salaried worker | |
Must be specific age group | |
Household income <60,000 INR | |
Household income <120,000 INR | |
Must live in rural area | |
Must lives in urban area | |
Other | |
Other (2) |
# Regions for this institution | N/A |
# Regions for this product | N/A |
Regions Active |
Currency | THB |
Minimum loan size | THB 4,000 |
Maximum loan size | 200,000 |
Loans less than THB 10,000 | 5% |
THB 10,000-30,000 | 20% |
THB 30,000-50,000 | 30% |
THB 50,000-70,000 | 30% |
THB 70,000-90,000 | 10% |
Greater than THB 90,000 | 10% |
Shortest loan term | 1.0 month |
Longest loan term | 12.0 months |
Approx average | 11.0 months |
Loans 3 months or less | 10% |
Between 4 and 6 months | 10% |
Between 7 and 9 months | 10% |
Between 10 and 12 months | 70% |
Between 13 and 18 months | 0 |
Longer than 18 months | 0 |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Currency | INR |
Minimum loan size | INR 3,000 |
Maximum loan size | 25,000 |
Shortest loan term | 6.0 months |
Longest loan term | 15.0 months |
Approx average | 6.0 months |
Grace period usage | 0 |
Average grace period | 0 |
Daily | |
Weekly | |
Every 2 weeks | |
Every 4 weeks | |
Monthly | x |
Every 2 months | |
Quarterly | x |
Every 6 months | |
Every 12 months | |
Single end payment | |
Irregular payments |
Lowest quoted nominal interest | 2.25% |
Highest quoted nominal interest | 3.00% |
Reason(s) why interest rate varies | Loan Size |
Interest rate period | Monthly |
Interest Rate Calculation Method | Decl Bal |
Subsidized by funder request? | No |
Is rate fixed for entire loan term | Yes |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | No |
Do borrowers control deposit in their group? | No |
% loan amount deposited | 3.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | 0 |
Conditions on access to deposit | Final Pmt |
Minimum interest rate paid | 6.00% |
Maximum interest rate paid | 6.00% |
Interest payment frequency | Monthly |
Are taxes charged on this product? | No |
Lowest quoted nominal interest | 12.50% |
Highest quoted nominal interest | 12.50% |
Interest rate period | Yearly |
Interest Rate Calculation Method | Flat |
Subsidized by funder request? | |
Is rate fixed for entire loan term | Yes |
Fee 1 | |
---|---|
Description | Processing Fee |
% of loan amount - min | 2.00% |
% of loan amount - max | 2.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Ins 1 | |
---|---|
Description | Insurance Fee |
% of loan amount - min | 1.00% |
% of loan amount - max | 1.00% |
OR, Fixed amount - min | 0 |
Fixed amount - max | 0 |
Reason for variation | N/A |
Appears on Repayment Sched? | No |
Required for | All |
Criteria | N/A |
Is deposit indicated on the repayment schedule? | Yes |
Do borrowers control deposit in their group? | Yes |
% loan amount deposited | 10.00% |
or, Fixed-amount deposited | 0 |
% loan amount deposited | 0 |
or, Fixed-amount deposited | INR 50 |
Conditions on access to deposit | When Leaving |
Minimum interest rate paid | 6.00% |
Maximum interest rate paid | 6.00% |
Interest payment frequency | Annually |
Are taxes charged on this product? | No |
Sample 2 | Sample 3 | Sample 4 | Sample 5 | Sample 6 | |||||
---|---|---|---|---|---|---|---|---|---|
Loan Amount | THB 10,000 | THB 20,000 | THB 41,000 | THB 55,000 | THB 100,000 | ||||
Loan Cycle (1, 2, 3, etc) | Not Known | Not Known | Not Known | Not Known | Not Known | ||||
Disbursement Date | 2013-04-03 | 2013-02-19 | 2012-01-04 | 2013-04-12 | 2013-02-05 | ||||
Loan Term (Months) | 12.0 months | 12.0 months | 18.0 months | 18.0 months | 24.0 months | ||||
Grace Period (Months) | 11.3 months | 10.9 months | 0.1 months | -0.2 months | -0.1 months | ||||
Total Cost of Credit | THB 3,690 | THB 7,120 | THB 9,921 | THB 13,053 | THB 28,365 | ||||
True Price by Comp | |||||||||
Interest price component | 36.0% | 36.0% | 30.0% | 30.1% | 27.1% | ||||
Fee Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Insurance Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Tax Component | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | ||||
Deposit Component | 1.1% | 1.1% | 1.8% | 1.7% | 1.6% | ||||
Full APR (int fee ins tax dep) | 37.1% | 37.1% | 31.8% | 31.8% | 28.7% | ||||
Transparency Index | 81 | 81 | 94 | 94 | 94 | ||||
Original Repayment Schedule | |||||||||
MFT Pricing Calculation |
Sample 1 | Sample 2 | Sample 3 | |||
---|---|---|---|---|---|
Loan Amount | INR 5,000 | INR 10,000 | INR 20,000 | ||
Loan Cycle (1, 2, 3, etc) | 1 | 1 | 2 | ||
Disbursement Date | 2010-04-15 | 2010-05-15 | 2010-05-15 | ||
Loan Term (Months) | 15.0 months | 15.0 months | 15.0 months | ||
Grace Period (Months) | 0.0 months | 0.0 months | 0.0 months | ||
Total Cost of Credit | Not Known | Not Known | Not Known | ||
True Price by Comp | |||||
Interest and Fee Component | 21.6% | 21.5% | 21.6% | ||
Insurance Component | 1.4% | 1.4% | 1.4% | ||
Tax Component | 0.0% | 0.0% | 0.0% | ||
Deposit Component | 5.8% | 4.3% | 3.7% | ||
Full APR (int fee ins tax dep) | 28.7% | 27.3% | 26.6% | ||
MFIN MFI Earning (Annualised) | 21.6% | 21.5% | 21.6% | ||
MFIN Cost to Borrower (Annualised) | 28.7% | 27.3% | 26.6% | ||
Transparency Index | 44 | 46 | 47 | ||
MFIN Transparency Index | N/A | N/A | N/A | ||
Original Repayment Schedule | |||||
MFT Pricing Calculation |
Key Statistics | |
---|---|
# Samples: | |
# Products | |
# Institutions | |
# Countries | |
# Borrowers | |
Loan Portfolio (USD) | |
% Products using declining balance | |
% Products with one or more fee | |
% Products with one or more insurances | |
% Products with compulsory deposits |
Country | InstAbbrev | SampleCode | Loan Amount USD | Loan Term (Months) | SampClients | FullAPR | DateApproved |
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By Country | ||||||
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